We are testing self-service systems of Belarusian banks. Today we will evaluate the work of Internet banking from BPS-Sberbank.
Data registration and recovery
There are two ways to register in the system. The first is if you are already a client of the bank and you have some kind of product, for example, a card or a deposit.
In my case, this is a map. To register, I needed a passport and a mobile phone, which received an SMS code for confirmation.
The second way to use the BPS-Sberbank service is to register in the guest account. To pass it, you do not need to be a bank client. For this registration form you only need SMS confirmation.
A special feature of the guest mode is the ability to pay for some services using cards from other banks, but today we will consider the full version of the system.
If you have forgotten your login or password, you will simply have to register again. However, there is one drawback - you cannot leave your old login, the system will say that it is already taken, and you will have to come up with a new one :(
Functional
This is what the main page of the Internet bank looks like. On it you will find all your issued products: cards or deposits.
Now let's take a closer look at "Personal menu". First service - "Operations history".
Here you can view transactions for any period, both for all cards and for just one.
I really liked the ability to manage payments, you can also find it in the side menu. This is where your payments are stored, which can be renamed, deleted and grouped into different folders...
Also, let's not forget that for all services, for example, payment for telephone or Internet, you can set up automatic payment. However, this service is paid.
Perhaps one of the most interesting sections of the system is PF manager, which can be found in the section "My finances". The financial assistant will analyze all your income from cards, accounts and even loans :)
"Calculation sheets" is certainly a useful function, but it will only be useful if the organization you work for enters into a special agreement with the bank.
For example, you can change your login password or choose a convenient method for confirming transactions.
A pleasant surprise was the ability to customize the visibility of products. For example, if you do not want to overload the main page, then you can leave only one main card, and hide deposits and loans.
Setting limits is also available in Internet banking. However, I was able to set restrictions only by countries of transactions; limits on amounts and quantities gave me an “error” :(
In the next subsection - "My statements"— you can track certificates, loan applications, view concluded insurance contracts, and also find out the status of their execution.
Now let's go through the main sections. First - "Payments and transfers".
But the most unusual thing is the ability to pay with cards from other banks. Moreover, you can pay for services in the ERIP system, replenish deposits, repay overdrafts, and even make transfers :)
At first glance, it is clear that translations are strong point jar. Literally any transfer options are available to you: by phone number, by card number, between cards of other banks, and even transfers to foreign currency outside Belarus :)
In chapter "Cards" You can order a card for a new account or for an existing one.
But not everything is so smooth - we were unable to order a call and personal consultation in the system. Endless loading :(
In the section called "Deposits and accounts" you can choose a suitable deposit for yourself and open it without leaving home...
In chapter "Credits" Only an application is available, but it seems not to everyone. Apparently, only the user who receives a salary on a BPS-Sberbank card can apply for a loan.
In chapter "Closed accounts" you will receive information about all the products that you have purchased previously, for example, a deposit or card account.
Personal opinion of the correspondent
In addition to the main functions, in the Internet bank you can find many interesting opportunities, such as identifying a Yandex Wallet or filling out an application for insurance.
The functionality is extensive, especially in the translation section.
I would also like to note the presence of a PF manager and the ability to pay for services with cards from other banks.
Test result: 111 points out of 125 possible
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| Evaluation criteria for online banking | BPS-Sberbank | ||||
| connection | ease of connection (availability) online (immediately after registration) | 5/0 | max 12 | 5 | |
| authorization mechanism (login or password is enough to log in or something else is needed) | 2/1 | 2 | |||
| data recovery in case of loss of login and password (without visiting the bank) | 5/0 | 5 | |||
| convenience | is there balance information on the first page | 5/0 | max 47 | 5 | |
| Is it possible to display quick payments on the first page? | 3/0 | 3 | |||
| availability of quick access to frequently used functions | 2/0 | 2 | |||
| session passwords (SMS/cards) | 2 / 0 | 2 | |||
| connect/disconnect 3D Secure | yes/no 5/0 | 5 | |||
| connection/disconnection of SMS notifications | yes/no 5/0 | 5 | |||
| ability to manage limits | yes/no 5/0 | 5 | |||
| Is there any information on tariffs and commissions for the card? | yes/no 5/0 | 5 | |||
| list of card transactions in “day to day” mode | 5/0 | 5 | |||
| ability to change PIN code | 10/0 | 0 | |||
| Functionality | payments | possibility of creating automatic payment | 1/0 | max 42 | 1 |
| ability to create a list of your payments | 3/0 | 3 | |||
| availability of free payment function | 5/0 | 5 | |||
| ability to rename your payments (templates) | 2/0 | 2 | |||
| are there receipts | 1/0 | 1 | |||
| you can print/send checks | 1/0 | 1 | |||
| You can make a repayment from a check | 2/0 | 2 | |||
| translations | to your bank card (without ERIP) | 2/0 | 2 | ||
| to a card of any bank in Belarus (without ERIP) | 5/0 | 5 | |||
| on the map foreign bank | 3/0 | 3 | |||
| personal financial manager service | yes / no | 5/0 | 5 | ||
| deposits | yes / no | 5/0 | 5 | ||
| loans | online application | 1/0 | 0 | ||
| online receipt | 5/0 | 0 | |||
| loan repayment | 1/0 | 1 | |||
| additional features | online application for card reissue | 2/0 | from 12 | 0 | |
| online - application for release additional card | 2/0 | 2 | |||
| search for ATMs and branches (yes/no) | 5/0 | 5 | |||
| bank exchange rates | 3/0 | 3 | |||
| plus 2 points for each additional opportunity | insurance (+2 points), payslip (+2 points) | 4 | |||
| Feedback | Is there a bank phone number (yes/no) | 2/0 | max 12 | 2 | |
| available online - real-time support, chat (yes/no) | 10/0 | 10 | |||
| personal opinion | general impression | no points | |||
| Maximum points | 125 | 111 | |||
OJSC BPS-Sberbank is part of the Sberbank of Russia group. This is one of the largest banks in Belarus. It originated in the twenties of the 20th century. Throughout Soviet period history, the bank was engaged in financing capital construction transport and industry of the USSR.
In 1959, the bank became the Belarusian branch of the newly created Stroybank of the USSR and concentrated in its hands the financing of 90% of all capital investments republics.
In 1987, as a result of another banking reform, the bank became part of the Promstroibank of the USSR.
At the end of 1991, a joint-stock commercial Belpromstroybank was created on the basis of the bank, which in 1992 became an open joint-stock company.
Since December 2009, 93% of the shares of BPS Bank belong to Sberbank of Russia, and since the end of 2011 it became known as OJSC BPS-Sberbank.
Serving the accounts of enterprises and entrepreneurs, the bank provides a variety of Banking services in the field of financing, lending, deposits and other things. Among its clients are the largest enterprises in all industries. Belarusian economy. The bank has branches and divisions in all regions of Belarus.
BPS bank services
BPS-Sberbank offers a wide range of lending services. The following forms of loans are provided:
- one-time loan provision;
- overdraft connection;
- provision of a credit line.
In this case, they apply lending rates, the size of which depends on market conditions, the type and term of the loan, and the client’s solvency.
To guarantee the repayment of the loan by the borrower, insurance against the risk of loan non-repayment, security deposits, pledges, guarantees, and guarantees are used.
Investment and trade finance, factoring
One of the main activities of the bank, which is of paramount importance, is the financing of investment business projects.
Investment loans can be issued for the creation of new or modernization of existing enterprises, the purchase of buildings, structures, equipment, agricultural machinery and transport. At the same time, the bank gives preference to projects that help increase the production of goods for export, the development of high-tech industries, as well as projects that use domestic raw materials.
The constantly growing limits of foreign banks on the BPS-Sberbank bank, its high reputation abroad and work with foreign export credit agencies allow the bank to confidently serve the foreign trade operations of Belarusian enterprises.
The bank provides factoring to clients by concluding one-time or general (fixed-term) agreements with them. This service allows client enterprises to timely replenish their working capital and increase trade turnover by providing customers with a deferment in payment for goods.
BPS bank guarantees
Thanks to extensive experience and high reputation on international markets The bank is capable of providing a full range of services for providing guarantees to foreign companies.
Providing these services allows you to reduce the risks of enterprises in foreign trade operations, as well as reduce their costs for financing foreign trade operations.
Bank guarantees also help optimize business transactions conducted within the country.
Cash settlement and electronic banking services
The bank carries out high-quality management cash transactions, guaranteeing their highest speed and reliability. At the same time, clients receive additional convenience. At flexible rates, the bank opens and maintains accounts, carries out all types of payments and transfers on them, and carries out cash transactions.
The bank provides clients with constant communication with it through the BS-Client remote service system. The “Bank-Client” subsystem of this system ensures a high degree of reliability when working with confidential information and reliable protection from unauthorized use. Electronic digital signatures are used to confirm the authenticity of documents.
Currency transactions and international payments
The use of payment systems such as SWIFT, TELEX allows the bank to process transactions as quickly and efficiently as possible. Money transfers to partner countries of the Republic of Belarus.
Through foreign exchange transactions the bank serves foreign economic activity enterprises. In addition, the bank is entrusted with the tasks of exchange control over operations.
Bank custody and collection services
The bank collects and delivers cash or other valuables using special transport according to a convenient schedule.
For storing documents and valuables of the enterprise and individuals can use bank safes.
Placement and preservation of available funds
BPS-Sberbank can offer the following options for placing and storing available funds:
- bank deposits;
- bank bills.
Deposits allow clients to store temporarily free funds and receive additional income from this. At the same time, they retain the opportunity to put these funds into circulation again. Flexible rates and terms of deposits allow clients to choose the optimal conditions for placing funds.
The impeccable reputation of BPS-Sberbank allows it to provide its clients with such a service as promissory notes. These papers serve as an analogue of a deposit with the only difference being that they are issued to bearer and can be sold to a third party. The client has the opportunity to return his money either by selling the bills or using them as a means of payment.
Transactions with securities, servicing depositories
The Bank, in the interests of clients, carries out the purchase and sale of government and corporate securities, ensures the initial placement of securities on stock exchanges, registers transactions made by the client on securities, carries out settlements on them based on transactions concluded by the client.
In addition, the bank carries out depository storage of securities purchased by the client.
June 2, 2017 10515
Partner news
IN Lately BPS-Sberbank has released a number of updates " Online Sberbank", Internet banking for private clients. How has this service improved since our last test? Let's take a closer look at its functionality.
Guest mode
One of the coolest features in our opinion was the “Guest Mode” format. Why guest? Because now you don’t have to be a bank client at all! At the same time, the opportunity to make payments from a card of any bank is at your disposal!
To enter we go through a quick registration. We enter key data into the form, and an SMS is sent to your phone. We come up with a username and password - and you're done :)
It contains a number of features thanks to which now (in addition to repaying a loan or overdraft) you can even pay utility bills. And all this bank card any other Belarusian bank.
There were a lot of services that could be paid for. We decided to pay mobile communications. To do this, the first thing you needed to do was indicate your card number and email.
Then the system asked us to indicate the payment details - in our case, this is a phone number, full name and amount - everything is as usual.
The system, of course, asked us for both card details and a 3d Secure password. After entering all the data, the payment was successful - the system provided us with a receipt, and we received payment confirmation by email.
In addition to making regular payments in the system, it is possible to transfer money between Mastercard cards, including to CIS countries. We simply indicate the sender’s number, the service calculates the amount of the transfer commission for us.
Click the “Continue” button, enter the 3d Secure password and receive a message that the operation was successful. Everything is clear and convenient.
Even if you are not a client, you can perform an impressive list of operations, then the bank certainly has a lot of interesting things in store for its clients. Let's see.
Home page and visibility settings
We liked the general structure of the Internet bank. Interface home page has become even more comfortable to perceive. Here we found all our payments and cards.
We didn't have to guess in which category to look for different bank products. As it turned out, the main page can display not only all our cards, but also deposits, accounts and loans.
In the “Security” section there is a function “Setting the visibility of products”, which allows you to hide some of your products (cards, deposits, loans) from prying eyes. To do this, simply set the desired mode.
In Internet banking, not only all active products are displayed, in the product visibility settings you can find all the cards that you previously owned, even with the “Cancelled” status.
My finances
In the “My Finances” section you can find a pie chart that displays all your deposits, cards and other accounts. And if you no longer have active cards in your account, you will be able to see whether there is any money left in the account, which will help you not to forget about your savings.
Also in the finance section we found an interesting service - “Payment sheets. Data on charges and deductions for wages is formed by the accounting department of the company in which the user works. This service works after signing an agreement between the employer and the bank.
Arbitrary payment
There are also several innovations in the “Custom payment” section. Now bank clients can make a transfer to a private person, not only by account number, but also by document.
The document can be not only a passport, but also a residence permit, a refugee certificate, or even a passport of a citizen of a foreign state.
A fixed fee of 1 BYN is charged for using the payment.
Translations
Transfers to bank clients’ cards in the system can be made in two ways.
The first, as usual, is by card number. Second - by number mobile phone. Let's try to use it...
As soon as we indicate the number and click the “Continue” button, the system automatically determines the recipient - this is very convenient and will help us not make a mistake with the counterparty.
If the recipient has several cards, then you can even indicate a different card number, you just need to click on the link “Indicate another recipient’s card number”, and then fill in the last 4 digits in the form.
Overdraft
In most banks, after registering an overdraft on the card, personal funds and borrowed funds are not distinguished. For clients, this becomes a headache, because it is not very convenient to calculate quite small amounts on their own at times.
At BPS-Sberbank, in the Sberbank Online system, the overdraft balance and personal money are separated. Now, in order to pay off the overdraft, we don’t have to calculate all the amounts in our heads, all necessary information is located in this section, including a graphical display of debt.
You can repay the overdraft in the “Loans” section through the “Actions” button. The system will automatically display the amount of the billed payment.
Payments and transfers by cards of other banks
Let us remind you that another function of Internet banking is the ability to repay loans, overdrafts and even replenish deposits with cards from other banks. However, the bank does not charge any commission for these services.
For our part, we decided to check whether it is as simple as it seems at first glance? First of all, we opened a revocable deposit “Online Deposit 1” in the “Deposits and Accounts” section for 1 month.
The registration process itself turned out to be surprisingly quick and simple; after selecting the desired deposit, we saw all the conditions for the deposit: interest rate, an initial fee, shelf life and other conditions.
And if you don’t understand something, you can always clarify your questions with an online consultant without leaving the page.
We agree to the terms of the agreement, enter an additional password - you're done :)
After opening the deposit, BPS-Sberbank even gave us a “compliment” by giving us a discount in the stores of its partners.
Now let's try to replenish our new contribution. As it turns out, you can top up not only your deposit, but also the deposit of any other bank client.
We decided to top up the deposit with a card from another bank. This turned out to be quite simple.
To do this, go to the “Payments and transfers with cards of other banks” section and select the item “Top up the Bank’s deposit with a card of another bank.”
We fill out the form, indicate the amount, account number to be replenished, and other fields, and then click the “Top up deposit” button. Then we indicate all the card details and select “Pay”.
All you have to do is enter the 3d Secure code, and you're done.
The only open question for us was how quickly the money would be credited to the deposit. We decided to ask an online consultant about this.
Well, instant enrollment is a definite plus!
It is worth noting here that VIP clients have the opportunity, in addition to online chat, to ask a question directly to a personal manager.
By the way, personal account important client decorated in the appropriate colors of the premium segment.
Application for a card
In the Sberbank Online system, the user can issue a card not only for existing account, but also order a new card.
The process itself took very little time; first of all, you need to choose either to issue a card for an existing account or for a new one. If the choice is made in the direction of an existing account, then we simply select the desired account by clicking the “Select” button. Then, depending on the user’s preferences, you can select a card from one of the payment systems.
Within an hour, the card will appear in online banking. After a while, the user needs to contact the bank office for a manufactured card and activate it at the ATM by looking at the card balance.
Currency exchange
The currency exchange service turned out to be very useful. Simply go to the “Transfers” section and follow the “Currency Exchange” link.
Next, we select the cards with which we want to exchange currency. We indicate the transfer amount either in the currency of the debit card or in the currency of the credit card and indicate the transfer amount. And a little lower in the “For reference” section, we will see how much will be debited from our card, taking into account the current exchange rate.
Enter an additional password and you're done. If desired, you can not only print the check, but also send it by email or save it on your computer. The choice is yours.
Yandex money
A useful and undoubtedly in-demand service in online banking caught our attention—Yandex.Money wallet identification. By identifying the wallet, you will confirm that it was opened by a real person and thus expand your range of possibilities.
This service can be found in the “Other” section in the top menu of the system.
For identification, we enter the wallet number, after which a form with passport data will appear in front of us, where we need to fill in the missing details.
After which we pay for the connection, which costs only 0.1 BYN.
After identifying in the system, you need to go to the “Yandex.Money” page and click on the balance, then on the active link “Passport details” and double-check them. After that, if the data is correct, then click the “Yes, this is correct data” button.
You will see a notification that identification will be completed soon, and after some time you will receive a notification that it is completed.
Identifying your wallet will help expand the capabilities of the wallet itself. For example, we can now make transfers of personal funds to various bank cards or accounts with Yandex. Wallet.
Let's sum it up
The overall impression of Sberbank Online is positive, it is clear that the bank is for recent months made a big leap forward. The progress was noted not only by the website, but by presenting the bank with an award for the best application for the VIP segment. Based on the results of an independent study of international payment system Visa, the bank is also recognized as a leader in organizing digital sales channels for individual products.
Of course there are some rough edges. But this is an inevitable situation - they are eliminated in the process of finalizing the service.
For example, we would like to see in the “My Finances” section analytics of expenses for non-cash transactions (cars, groceries, travel, etc.) and cash withdrawals.
For complete convenience, it is not enough to replenish your Yandex.Money wallet in your personal account. However, judging by the information posted on the BPS-Sberbank website, the bank is already working on this issue.
Having an overdraft, the user would be interested in increasing its amount directly in the Sberbank Online service.
What I liked:
- “Guest account”, which allows you to make payments from cards of other banks,
- Always at hand Online chat, which allows you to resolve the user’s issue quickly and at any time.
- Ability to make payments internally personal account both from BPS-Sberbank cards and other banks.
- The ability to view information on your closed accounts and order a card for any account (including those without a valid card).
- Comfortable monitoring of overdraft funds.
- And of course, the exclusive Yandex.Money service.
In December 2009, the Government of the Republic of Belarus and Sberbank of Russia announced the signing of an agreement on the purchase by Sberbank of Russia of 93.27% of the shares of OJSC BPS-Bank and the conclusion of an investment agreement on the long-term development of BPS-Bank.
In October 2011, the bank was renamed Otkrytoye Joint-Stock Company"BPS-Sberbank".
Focusing on further economic growth, BPS-Sberbank OJSC has determined the strategic line of maintaining progressive and dynamic development.
In order to strengthen positions on financial market, the bank will continue to consistently increase equity and resource base, providing comprehensive customer service using international standards conducting banking business, available technical and financial resources, branch network capabilities.
The priority lending policy will remain unchanged real sector economy, primarily enterprises in the energy, construction, fuel, oil refining, and chemical instrument-making industries.
Open Joint Stock Company "BPS Sberbank" is the oldest and one of the largest banks in the Republic of Belarus today. It was formed on the basis of the former Belpromstroybank, which was acquired by the Russian Sberbank in 2009. In 2011, the company underwent rebranding and now fully complies with the style and concept of Sberbank.
Today, the services offered by BPS-Sberbank are extremely wide. Clients can service salary and deposit accounts here, pay off loans, apply for a mortgage and car loan, pay for services, buy and sell currency and much more. The easiest way to find out more about everything related to the bank is by visiting its website www.bps-sberbank.by.
BPS-Sberbank for private clients
All services and opportunities that are developed by BPS-Sberbank for private individual clients, are located on the “Private Clients” tab of the main menu of the site. Upon entering the first page, the visitor immediately sees interesting offers, placed on a moving banner, as well as other popular services: online payments and deposits, credit cards, automatic payment, and so on. By clicking on the desired one, the user will quickly go to the section he needs, bypassing the confusing menu.
By the way, the menu itself is located at the top of the Sberbank BPS website page and contains sections:
- take out a loan - lending for various needs;
- select a card – information on credit cards and their registration;
- accumulate and save – deposit calculator, conditions for their execution for different currencies;
- earn and invest – investments in funds, bonds, precious stones and metals;
- pay and transfer – money transfers, online banking, auto payment;
- insure yourself and your property – insurance, safe rental.
This menu is duplicated at the bottom of the Sberbank BPS page, in the “All products and services of the bank” block, but in a more visual form. Menu links lead to service pages, where you can learn more about them, apply for registration or order.
The most popular services of BPS-Sberbank are lending, issuing cards and deposits, as well as making ruble or currency transfers.
Lending to individuals
Lending on the Sberbank BPS website
Card design
Bank clients can order a credit card online and come to the branch only to pick it up. The offer is very wide:
- salary cards;
- personal cards Visa, MasterCard, Maestro;
- credit cards;
- pension cards;
- partner cards (give bonuses upon payment).
On the official website of BPS Sberbank posted information about the conditions for issuing the card: how they are serviced, how much it costs, whether credit limit and what kind, bonuses and so on.
Bank deposits
Take a deposit
BPS-Sberbank offers to place money with them on short-term and long-term deposits under favorable interest rate. You can make a deposit at Belarusian rubles and other currencies, in a bank branch and online, by submitting an application on the BPS Sberbank website. There is also a deposit calculator here.
Payment for services and money transfers
Payment for services
Bank clients often have questions about how, where and under what conditions they can transfer money. BPS-Sberbank sends money throughout the country, as well as abroad to the CIS countries and Europe. The conditions and commission can be viewed on its official website in the appropriate section. There is also detailed information about online services, Internet clients and bank applications.
BPS-Sberbank for entrepreneurs
The Main Bank of the Republic of Belarus offers its commercial clients favorable service and great opportunities. Large and small entrepreneurs, as well as their financiers and accountants, can read about this in detail on the “Small and Medium Businesses” and “ Corporate business» official website of the institution.
Small and medium businesses
Their local menu has lending information legal entities, investing, business services (accounts, calculations, transfers, salary projects, taxes), insurance and others.
The most popular sections have always been loans and servicing.
Lending to legal entities
Take a loan
The bank provides lending services in varying amounts and for any purpose: startup, expansion, business support, investment. In addition, through BPS-Sberbank you can issue shares and bonds, as well as get advice on financial issues.
Calculations for business
Carry out calculations
All entrepreneurs know how much paperwork they have to fill out every day and how often they need to contact the bank. Revenue is brought here, salary projects are processed here, settlements with counterparties are made, taxes and utility bills are paid here. BPS-Sberbank has simplified some of them, and now an entrepreneur can order most services online or by call. The most popular services for business are:
- opening and servicing company accounts;
- salary projects;
- settlement and cash services;
- collection;
- foreign trade services.
Mobile applications and remote maintenance
Particularly popular in the century information technologies Bank clients use online and mobile services. For example, almost everyone uses Internet banking today, and mobile client installed on every second smartphone.
Corporate clients and firms order remote maintenance, and also lead their financial activities using a mobile and Internet client, Information Systems and bank services.
Using online services, clients can manage their account, view its balance, make payments in favor of other individuals and legal entities, transfer money to a card of this or another bank, both their own and someone else’s, block and unblock accounts, apply for loans, deposits, insurance, pay for services, fines and utilities, etc.
How to find a bank branch?
Although transactions with the bank are simplified as much as possible, you still have to visit a branch from time to time. It’s easy to find the one closest to your home or office: by clicking on the “Branches and ATMs” link in the site header and indicating your city, you can find the address, contacts and opening hours of the branch, as well as ATMs and terminals, including those operating 24/7. 7.
A similar tile is located at the bottom of the main page, section – “Regional network”
Contacts and communication with the administration
The BPS-Sberbank hotline for clients from any mobile phone is 148. Here you can:
- find out information on your account, card, connected and disconnected services, request a statement;
- get advice if any of the services were not provided (for example, the payment was stuck or the payment went through but the money did not arrive);
- leave an application, request, complaint;
- get help about safety;
- set up services, get quick advice.
The hotline operates automatically (the client listens to pre-recorded information), as well as through operators. In principle, you can call here with any question: if there is no automatic answer in the system, the operator will definitely help.
Bank clients can order a call back (link in the header of the site), and the bank itself will call you back to the specified number.